Business to Insurances

Many people buy insurance products without fully understand the benefits and risks of these products. For
health insurance, for example, we often think that this means we bagged product is fully guaranteed in terms of health. In other words, regardless of the cost of care that we spend will be replaced entirely. In fact, it is not always so.

Insurance companies have a standard or a certain calculation in determining insurance coverage or the amount of compensation that you can receive. Several factors determine the amount of compensation, among others, how healthy condition of your body, how your family medical history, and how much premium you pay.

Instead, you buy health insurance when you are young age, and health conditions are prime. When you buy health insurance when your body is not fit, or are undergoing treatment for a particular disease, it could be your claim is not received within a certain time.

Read also: Healthy Life Style and Insurance have Equal Importance

To get the maximum benefit from health insurance, you can do are:
1. Lower your weight. Make sure you maintain your weight does not go up and stay at a normal rate. Thus, your insurance premiums will be lower. You can check your normal weight by calculating the body mass index (BMI). When the results showed that BMI was included in your weight class in overweight, insurance companies will charge you with high premiums.

2. Exercise routine. Indirectly, health insurance also serves to keep your exercise schedule. If you make exercise a regular routine, you will get used to remain active and provide a positive image about your health.

3. Reduce smoking habit. Smoking habits will negatively affect insurance premiums, and likely will not provide the maximum benefit to you. If you are trying to hide this habit from your insurance agent in order to get a low rate, probably will not be much help. Therefore, the majority of insurance policies include blood tests. Such a test can confirm your tobacco consumption. So you can get lower insurance premiums, ideally in a state you've quit smoking.

Read also: Single, Should Buy Life Insurance?

4. Avoid alcohol. Your health insurance premiums can go up if you consume alcohol on a regular basis. It would be better if you avoid alcohol consumption so that the insurance company does not find another reason to increase your premiums. However, just like smoking, you should stop drinking alcohol long before sending the application to purchase insurance products.

5. No need to add information that you can not remember. If you really can not remember if you've been diagnosed with a particular disease, do not add it on the insurance application. Loss dong, if you think you are suffering from certain diseases that insurance companies make a policy that you can not claim the cost of care for the disease within a period of two years for example. In fact, the alleged presence of the disease is not proven. Therefore, simply state that you remember very well indeed.


Source: kompas.com